Your Financial Life Timeline
Life is constantly changing, and each new situation brings fresh financial challenges. These moments are a natural prompt to reassess your finances—and they’re the perfect time to seek guidance from a trusted financial planning professional.
  • 20-30 YRS
  • 30-40 YRS
  • 40-55 YRS
  • 55-65 YRS
  • 65 YRS+

Wealth Starter

Aged 20-30 years old

CHARACTERISTICS

  • Looking to purchase a home or investment property

  • No dependents or starting a family

  • Looking to grow net worth and start investing

  • Few financial commitments

  • Starting to earn good money

  • A sense of financial independence

AN ADVISER CAN HELP YOU WITH

  • Early retirement planning

  • Setting short and long term financial goals

  • Spend and save more efficiently

  • Create a solid investment plan

  • Get your Super settings right for maximum benefit

Wealth Accumulator

Aged 30-40 years old

CHARACTERISTICS

  • Marriage, house purchase and mortgage

  • Financial dependents and demands of a young family

  • Resort to one income family

  • Professional career development

  • Building and growing net worth

AN ADVISER CAN HELP YOU WITH

  • Wealth protection strategies

  • Investing to help pay for private schooling

  • Early retirement planning

  • Setting short and long term financial goals

  • Tax effective investments

Wealth Builder

Aged 40-55 years old

CHARACTERISTICS

  • Peak earning years, often both partners are working

  • Greater stability as financial pressure is easing

  • Reduce mortgage debt

  • Children become less dependent

  • Discretionary spending on luxury goods, entertainment and holidays

AN ADVISER CAN HELP YOU WITH

  • Growing and building wealth

  • Preparing for retirement or reducing work hours

  • Tax effective investments

  • Wealth protection

Wealth Establisher

Aged 55-65 years old

CHARACTERISTICS

  • Looking to retire or work less

  • Independent children

  • Travelling

  • High level of home equity with small to nil levels of debt

  • Discretionary money available is at its highest

  • Consolidating wealth

AN ADVISER CAN HELP YOU WITH

  • Preparing and planning your retirement

  • Tax effective investments

  • Preserving capital in retirement

  • Aligning your investment strategy to your retirement goals

  • Supplementing and generating income

Wealth Conserver

Aged 65 years plus

CHARACTERISTICS

  • Transitioning into full time retirement

  • Working part time or no longer working

  • Looking to downsize to a smaller home

  • A continuing active phase of life and travelling

  • Looking to maintain a quality and comfortable lifestyle

AN ADVISER CAN HELP YOU WITH

  • Being comfortable in retirement and meeting your income needs

  • Aligning your investment strategy to your retirement goals

  • Obtaining and maximising social security entitlements (e.g Age Pension)

  • Estate planning and wealth transfer

  • Preserving capital in retirement